Maximize Your Savings

Earn guaranteed returns at competitive rates with an IRA certificate1 from Navy Federal.

  • Flexible deposit amounts
  • Planning ahead
  • High dividend earnings

Explore Our Accounts

IRA Certificate

IRA certificates2 allow you to earn more than a standard savings account with a variety of term lengths.

Features:

  • Variety of terms and minimum balance options

  • No maximum purchase amount

  • Longer maturities earn higher dividends

Best For:

  • Individuals who are prioritizing earning at higher dividend rates
  • Individuals who don’t need flexible access to savings
  • Individuals who are interested in making a single deposit

APY2

as high as

1.80%

Minimum Deposit

as low as

$1,000

Terms Available

3 Months to 7 Years


Short-Term Certificate Rates

Term$1K Minimum APY$10K Minimum APY$20K Minimum APY$50K Minimum APY$100K Minimum APY
3 Months1.10%1.10%1.10%1.10%1.15%
6 Months1.35%1.35%1.35%1.35%1.40%
9 Months1.45%1.45%1.45%1.45%1.50%
12 Months1.60%1.60%1.60%1.60%1.65%
18 Months1.60%1.60%1.60%1.60%1.65%
24 Months1.65%1.65%1.65%1.65%1.70%

Rates as of March 31, 2020 ET.


Long-Term Certificate Rates

Term$1K Minimum APY$10K Minimum APY$20K Minimum APY$50K Minimum APY$100K Minimum APY
3 Years1.70%1.70%1.70%1.70%1.76%
4 Years1.76%1.76%1.76%1.76%1.80%
5 Years1.76%1.76%1.76%1.76%1.80%
6 Years1.76%1.76%1.76%1.76%1.80%
7 Years1.76%1.76%1.76%1.76%1.80%

Rates as of March 31, 2020 ET.


IRA EasyStartSM Certificate

IRA EasyStart Certificates2 allow you to start building savings quickly and easily with a low minimum deposit.

Features:

  • Add money at any time

  • No maximum purchase

  • Open multiple certificates

Best For:

  • Individuals who want to build up their retirement saving
  • Individuals who are looking for a variety of terms or laddering
  • Individuals who want to make periodic contributions

APY2

as high as

1.50%

Minimum Deposit

as low as

$50

Terms Available

6 Months to 24 Months


EasyStart Certificate Rates

TermAPY
6 Months1.20%
12 Months1.45%
18 Months1.45%
24 Months1.50%

Rates as of March 31, 2020 ET.


IRA Special EasyStart Certificate

Special EasyStart Certificates let members who have direct deposit and a checking account take advantage of saving at a special rate.

Features:

  • Add money at any time

  • $3,000 maximum purchase

  • Requires checking and direct deposit

  • Limit one per primary account holder

Best For:

  • Individuals who want to start saving quickly
  • Individuals who want to take advantage of a special rate
  • Individuals who are interested in adding money at any time

APY3

as high as

3.50%

Minimum Deposit

as low as

$50

Terms Available

12 Months


IRA 3-Year Variable Rate Certificate

IRA 3-year variable rate certificates4 allow you to keep pace with market fluctuations in exchange for a longer commitment.

Features:

  • Rates that adjust each year

  • Contribute on the 12- and 24- month anniversaries of your purchase

Best For:

  • Individuals who are able to commit to a longer term
  • Individuals who would like to keep pace with market fluctuations
  • Individuals who want to contribute to their certificate annually

APY4

as high as

1.57%

Minimum Deposit

as low as

$500

Terms Available

3 Years

Trusteed IRA Certificate

Trusteed IRA Certificates combine the tax benefits of an IRA with the flexibility of a trust, allowing you to control how funds are distributed to your beneficiaries.

Call Navy Federal Financial Group5 at 1-877-221-8108 to get started.

Compare Retirement Savings Options 

After you've decided on a savings plan, the next step is to choose the savings option that will get you to your goals.

IRA Savings Account IRA MMSA & Jumbo MMSA IRA Certificate

Start early and save for your future on your terms while still earning dividends.

  • Long-term saving
  • Contribute at any time
  • No term restrictions

Earn more than a standard savings account by maintaining an account balance of $2,500 or more.

  • Higher balances receive greater earnings
  • Contribute at any time
  • No term restrictions

Plan ahead and earn guaranteed returns at a higher dividend rate than a savings account.

  • Variety of term options
  • Minimum deposit amount as low as $50
  • Competitive dividend rates

IRA Contribution Limits, Deadlines & Eligibility

Make sure you’re on top of your IRA. Read over IRA contribution limits, deadlines and eligibility here.

Learn More about IRA contribution limits, deadlines and eligibility.

Want More Information About Saving?

Explore our resources at Navy Federal's Savings Learning Center.

Learn More Visit the Savings Learning Center.

Savings Resources

View More Savings Resources

Disclosures

1 Early withdrawals may have tax consequences, in addition to early withdrawal penalties or surrender charges. Consult a tax professional for more information.

2 This APY is accurate as of 03/31/2020. This APY is an annualized rate that reflects estimated earnings based on the dividend rate and frequency of compounding. Dividends compounded daily, credited monthly. Penalties may apply for early withdrawals from certificate accounts. Offering rates may change.

3 Limit one Special EasyStart Certificate per member. This offer, including the stated APY, is effective Dec. 10, 2018. Navy Federal reserves the right to end or modify this offer at any time. Penalty for early withdrawal. The Special EasyStart Certificate has a $50 minimum balance and a $3,000 maximum balance. Additional deposits are allowed at any time, subject to the maximum balance. Certificate owner(s) age 18 and older must have Direct Deposit of Net Pay or payroll allotment and a Navy Federal checking account within 90 days of the certificate issue date. If these requirements have not been satisfied by the 90th day, your Special EasyStart Certificate dividend rate will be reduced to the prevailing dividend rate of the standard 12-month EasyStart Certificate for the remainder of the certificate’s term.

4 Rates for 3-Year Variable Rate Certificates adjust each year on the anniversary date of the purchase. Penalties apply for early withdrawals from certificate accounts. Offering rates may change. This APY is accurate as of 03/31/2020.

5 Nondeposit investment and insurance products are offered through Navy Federal Financial Group, LLC (NFFG) and through its subsidiary, Navy Federal Brokerage Services, LLC (NFBS), a member of FINRA/SIPC and an SEC registered investment advisory firm. Brokerage and advisory products are offered through NFBS. These products are not NCUA/NCUSIF or otherwise federally insured, are not guaranteed or obligations of the credit union, are not offered, recommended, sanctioned, or encouraged by the federal government, and may involve investment risk, including possible loss of principal. 1-877-221-8108. Trust Services available through MEMBERS Trust Company. 1-855-358-7878.